Cote Financial Management provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 251–500 clients last fiscal year.
Cote Financial Management reports 134 clients. They include 104 individual clients, 28 high-net-worth individuals, and 2 corporations and other businesses. Of its assets, 0.0% ($0 across 0 accounts) are managed with discretion; $151M across 378 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 78% | 19% |
| High-net-worth individuals | 21% | 80% |
| Corporations and other businesses | 1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 104 | $29.4M | 19.4% | $282K |
| High-net-worth individuals | 28 | $120M | 79.5% | $4.29M |
| Corporations and other businesses | 2 | $1.61M | 1.1% | $806K |
| Total | 134 | $151M | 100% | $1.13M |
- Clients
- 104
- Regulatory AUM
- $29.4M
- AUM share
- 19.4%
- Avg. per client
- $282K
- Clients
- 28
- Regulatory AUM
- $120M
- AUM share
- 79.5%
- Avg. per client
- $4.29M
- Clients
- 2
- Regulatory AUM
- $1.61M
- AUM share
- 1.1%
- Avg. per client
- $806K
Total
- Clients
- 134
- Regulatory AUM
- $151M
- AUM share
- 100%
- Avg. per client
- $1.13M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Cote Financial Management is paid through a percentage of assets under management and hourly charges. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Financial planning services are billed at an hourly fee of $350 as needed, and the fee is negotiable.
Stephen Cote owns 75% or more of Cote Financial Management. Stephen Cote is CEO; the leadership team includes Chief Compliance Officer Stephen Cote. It has 3 employees, 1 of them in advisory roles.
Leadership
- Stephen CoteChief Executive Officer
- Stephen CoteChief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Cote Financial Management, LLC
Stephen Cote
Control person · since February 2010
Cote Financial Management’s regulatory assets grew from $132M (April 2025) to $151M (March 2026); clients fell from 369 to 134 and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $151M | 134 | 3 | 1 |
| April 2025 | $132M | 369 | 3 | 1 |
Besides its headquarters, Cote Financial Management has 0 offices, with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Cote Financial Management, LLC
- Headquarters
- Not reported
- Website
- cotefinancialservices.com
- Phone
- 978-767-9501
- SEC file
- 801-130714
- Structure
- Massachusetts LLC
- Fiscal year end
- December
Cote Financial Management does not have custody of client assets.
At year end, Cote Financial Management’s separately managed accounts were largely in stocks (49%) and bonds (40%).
What the accounts hold
- Stocks49%
- Non-exchange-traded equities44%
- Exchange-traded equities5%
- Bonds40%
- U.S. government and agency bonds30%
- Sovereign bonds5%
- Investment grade corporate bonds5%
- Cash10%
- Other1%
- Separately managed accounts1%
How many clients does Cote Financial Management have?
Cote Financial Management has 134 clients and manages $151 million for them, as of March 2026. They include 104 individual clients, 28 high-net-worth individuals, and 2 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026
What services does Cote Financial Management offer?
Cote Financial Management provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How many financial advisors does Cote Financial Management have?
Cote Financial Management has 1 investment adviser representative registered with state securities authorities, out of 3 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Cote Financial Management invest in?
At the end of its last fiscal year, Cote Financial Management’s separately managed accounts held 44% non-exchange-traded equities, 30% U.S. government and agency bonds, 10% cash and equivalents, 5% exchange-traded equities, 5% sovereign bonds, 5% investment grade corporate bonds and 1% other. The 1% other category is described as: Separately Managed Accounts.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Cote Financial Management?
Cote Financial Management’s direct owner is Stephen Cote (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 25 March 2026
How does Cote Financial Management get paid?
Cote Financial Management is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Cote Financial Management?
Its phone number is 978-767-9501. Its website is cotefinancialservices.com.